City Union Bank Limited · NSE:CUB
City Union Bank — Investor Presentation (March 2025)
47 slides from City Union Bank's investor presentation, March 2025
Slide 1: Investor Presentation March 2025
INVESTOR PRESENTATION MARCH 2025
Slide 2: Disclaimer
Disclaimer No representation or warranty, express or implied is made as to, and no reliance should be placed on the fairness, accuracy, completeness, or correctness of such information or opinions contained herein. The information contained in this presentation is only current as of its date. Certai
Slide 3: Table of Contents
Table of Contents Overview ........................................................................................................................ 04 Performance Highlights – March 2025 ......................................................................... 10 Financial Performance & Business Pro
Slide 4: Overview
OVERVIEW 04
Slide 5: Overview: Facts & Figures
Overview City Union Bank Ltd., the oldest Private Sector Bank in India, was founded on October 31, 1904, and is headquartered in Kumbakonam, Tamil Nadu, India. The main focus of the Bank – lending to MSME, Retail / Wholesale Trade with a granular asset profile including providing Short-term and long
Slide 6: Key Milestones
KEY MILESTONES 1998 Initial Public 1957 Offering (IPO); Took over Listing bank’s 1904 Common shares on the Incorporation Wealth BSE, NSE & MSE 06 of Bank Limited the Bank 02 04 03 1965 05 2002 01 1945 Scheduled bank Amalgamation Entered into since of ‘The City Forward Bank agreement with 22.03.1945
Slide 7: City Union Bank: Specialized Banking Model
CITY UNION BANK A SPECIALIZED BANKING MODEL ALIGNED TO TARGET SEGMENT – SME / MSME Prudent Risk Invested in Robust Purely retail Liability SME / MSME focus Management Infrastructure Franchise SME/MSME specialized SME exposures’ result in Comprehensive employee No Certificate of Deposit busin
Slide 8: Competitive Advantages
COMPETITIVE ADVANTAGES NETWORK STRONG TRACK RECORD • Continuous profitability and dividend • Pan India presence with 875 branches payout in all 121 years of operations • Strong presence in South India (732 • Business growth of about 15% CAGR in branches) of which 550 are in last 10 years Tamil Nadu
Slide 9: Credit Rating
CREDIT RATING ICRA has assigned • “AA-” for Long Term - issuers with this rating are considered to have “High Degree of Safety” regarding timely servicing of financial obligations. • “A1+” for Certificate of Deposits (CD) - issuers with this rating are considered to have “Very Strong Degree of Safet
Slide 10: Performance Highlights – March 2025
PERFORMANCE HIGHLIGHTS – MARCH 2025 10
Slide 11: Q4 FY25 Performance – A Snapshot
Q4 FY 25 PERFORMANCE – A SNAPSHOT • Deposits increased by 14% from Rs. 556 Bn to Rs. 635 Bn Y-o-Y • Advances registered a growth of 14% from Rs.465 Bn to Rs.531 Bn Y-o-Y • The total business grew by 14% from Rs.1,021 Bn to Rs. 1,166 Bn Y-o-Y • Profitability and efficiency ratios : PARTICULARS Q4 FY
Slide 12: Q4 FY25 vs Q4 FY24 Performance – A Snapshot
Q4 FY 25 VS Q4 FY 24 PERFORMANCE – A SNAPSHOT (in INR Mn) 635,260 530,664 1,165,924 181,189 14% 14% 14% 6% 556,566 464,815 1,021,381 170,502 Deposits Advances Total Business CASA 4,410 2,880 6,003 48.21% 25% 13% 10% % 3,518 2,548 5,466 51.26 % Gross Profit Net Profit Net Interest Cost to Income Inco
Slide 13: FY25 vs FY24 Performance – A Snapshot
FY 25 VS FY 24 PERFORMANCE – A SNAPSHOT (in INR Mn) 635,260 530,664 1,165,924 181,189 14% 14% 14% 6% 556,566 464,815 1,021,381 170,502 Deposits Advances Total Business CASA 16,786 11,236 23,157 47.77% 11% 11% 9% % 15,167 10,157 21,235 47.06 % Gross Profit Net Profit Net Interest Cost to Income Incom
Slide 14: Financial Performance & Business Profile
FINANCIAL PERFORMANCE & BUSINESS PROFILE 14
Slide 15: FY25 vs FY24 Performance – A Snapshot
FY 25 VS FY 24 PERFORMANCE - A SNAPSHOT (in INR Mn) FINANCIAL PERFORMANCE PARTICULARS FY 2025 FY 2024 INC / (DEC) Growth Growth % Deposits 635,260 556,566 78,694 14% Advances 530,664 464,815 65,849 14% Total Business 1,165,924 1,021,381 144,543 14% Demand Deposits 60,738 54,889 5,849 11% Saving Depo
Slide 16: Q4 FY25 vs Q4 FY24 Performance – A Snapshot
Q4 FY 25 VS Q4 FY 24 PERFORMANCE - A SNAPSHOT FINANCIAL PERFORMANCE (in INR Mn) PARTICULARS Q4 FY 25 Q4 FY 24 INC / (DEC) Growth % Q3 FY 25 Net Interest Income 6,003 5,466 537 10% 5,877 Other Income 2,512 1,752 760 43% 2,284 Operating Expenses 4,105 3,700 405 11% 3,801 Gross Profit 4,410 3,518 892 2
Slide 17: FY25 vs FY24 Performance – A Snapshot
FY 25 VS FY 24 PERFORMANCE - A SNAPSHOT FINANCIAL PERFORMANCE (in INR Mn) PARTICULARS FY 25 FY 24 INC / (DEC) Growth % Net Interest Income 23,157 21,235 1,922 9% Other Income 8,981 7,416 1,565 21% Operating Expenses 15,352 13,484 1,868 14% Gross Profit 16,786 15,167 1,619 11% Provisions & Contingenc
Slide 18: Provisions & Contingencies – Breakup
PROVISIONS & CONTINGENCIES – BREAKUP (in INR Mn) PARTICULARS Q4 FY 25 Q4 FY 24 FY 2025 FY 2024 Q3 FY 25 Provision for: - Tax 750 650 2,930 2,150 750 - Bad Debts 780 330 2,550 3,270 750 - Contingencies - -20 -170 - - Standard Assets - 40 -170 - - Restructuring - -30 -70 - - Others - - 70 - - Total 1,
Slide 19: Q4 FY25 vs Q4 FY24 – Income and Expenses Breakup
Q4 FY 25 VS Q4 FY 24 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS Q4 FY 25 Q4 FY 24 Growth % PARTICULARS Q4 FY 25 Q4 FY 24 Growth % Interest on Loans 12,432 10,806 15% Int Exp on Deposits 8,764 7,574 16% Interest on Investments 2,714 2,518 8
Slide 20: FY25 vs FY24 – Income and Expenses Breakup
FY 25 VS FY 24 – INCOME AND EXPENSES BREAKUP INTEREST INCOME BREAKUP INTEREST EXPENSES BREAKUP (in INR Mn) PARTICULARS FY 25 FY 24 Growth % PARTICULARS FY 25 FY 24 Growth % Interest on Loans 46,721 41,534 12% Int Exp on Deposits 32,774 28,990 13% Interest on Investments 10,733 9,589 12% Other Int Ex
Slide 21: Deposits and Advances Growth – Over the Years
DEPOSITS AND ADVANCES GROWTH – OVER THE YEARS DEPOSITS ADVANCES (in INR Mn) 6,35,260 5,30,664 5,56,566 4,39,708 4,64,815 5,23,979 4,76,897 4,11,560 4,45,370 3,70,206 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 BUSINESS CASA 1,81,189 1
Slide 22: Income Growth Over the Years
INCOME GROWTH OVER THE YEARS… (in INR Mn) NET INTEREST INCOME OTHER INCOME 8,981 23,157 8,104 21,628 21,235 7,591 7,416 19,165 6,887 18,297 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 31-03-2021 31-03-2022 31-03-2023 31-03-2024 31-03-2025 CEB NET PROFIT 4,658 11,236 10,157 9,375 3,338 3,5
Slide 23: Key Business Indicators
KEY BUSINESS INDICATORS PARTICULARS1.48 Q4 FY 25 Q4 FY 24 FY 2025 FY 2024 Q3 FY 25 Cost of Deposits 6.02% 5.75% 5.85% 5.59% 5.88% Yield on Advances 9.93% 9.85% 9.79% 9.72% 9.81% Yield on Investments 6.51% 6.39% 6.50% 6.27% 6.49% Net Interest Margin 3.60% 3.66% 3.60% 3.65% 3.58% Cost to Income 48.21%
Slide 24: Key Business Ratios – Yearly Trends
KEY BUSINESS RATIOS – YEARLY TRENDS NET INTEREST MARGIN RETURN ON ASSETS 5.00% 1.70% 1.55% 1.60% 1.52% 4.50% 1.46% 1.50% 1.40% 1.35% 4.00% 3.98% 4.00% 3.89% 1.30% 3.65% 3.60% 1.15% 1.20% 3.50% 1.10% 1.00% 3.00% 0.90% 31-MAR-21 31-MAR-22 31-MAR-23 31-MAR-24 31-MAR-25 31-MAR-21 31-MAR-22 31-MAR-23 31-
Slide 25: Cost of Deposits & Yield on Advances
COST OF DEPOSITS & YIELD ON ADVANCES (in %) 14 13.18 12.83 12.10 12 11.46 10.95 10.76 9.91 9.72 9.79 10 9.36 9.23 8.15 8 7.62 6.82 6.29 6.17 6.20 5.59 5.85 6 5.36 4.68 4.66 4 2 0 Mar 15 Mar 16 Mar 17 Mar 18 Mar 19 Mar 20 Mar 21 Mar 22 Mar 23 Mar 24 Mar 25 Spread between cost of deposits and yield on
Slide 26: Loan Book – Products Composition
LOAN BOOK – PRODUCTS COMPOSITION Trading & MSME loans constitute about 44% % to Total Advances 1% Diversified credit portfolio reduces credit risk and Lower ticket size backed by adequate collaterals Bills Purchased & Bills Discounted Term Loan Loan Book Products Amount % toTotal Composition (INR Mn
Slide 27: Loan Book Sectoral Deployment – 31.03.2025
LOAN BOOK SECTORAL DEPLOYMENT – POSITION AS ON 31.03.2025 LAD Retail Traders (in INR Mn) 8,845 6,436 Large Industries 4,772 Wholesale Traders 8,976 Infrastructure 1% 3,371 Personal Loan 1% 1% 12,137 2% 2% NBFC 2% 14,173 2% Housing 25,153 5% 41% C R E 7% 36,513 SECTORAL MSME DEPLOYMENT 216,696 Others
Slide 28: Loan Book – Advances to Major Industries
Corporate Governance Loan Book – Advances to Major Industries (in I N R M n ) Advances to Major Industries 31st March 2025 TEXTILE a) Cotton 13,729 (2%) b) Other Textiles 31,080 (6%) METALS a) Iron & Steel 12,320 (2%) Amount % to Total Industry Name b) Other Metals 9,523 (2%) (in INR Mn) Advances PA
Slide 29: Gold Loan Book – 31st March 2025
GOLD LOAN BOOK – 31st March 2025 (in INR Mn) GOLD LOAN PORTFOLIO Mar-24 Jun-24 Sep-24 Dec-24 Mar-25 Gold Loan – Agriculture 61,130 64,418 69,144 70,870 76,293 Gold Loan – Non-Agriculture 49,317 50,214 54,646 58,925 66,453 Total Gold Loans 110,447 114,632 123,790 129,795 142,746 Gross Advances 464,81
Slide 30: Asset Quality
ASSET QUALITY (in INR Mn) GROSS NPA QTM & GROSS NPA % NET NPA QTM & NET NPA % 18,932 19,332 19,202 18,544 11,911 16,382 10,752 10,176 5.11% 8,987 4.70% 4.37% 6,531 2.97% 2.95% 3.99% 2.36% 1.97% 1.25% 3.09% 31-Mar-21 31-Mar-22 31-Mar-23 31-Mar-24 31-Mar-25 31-Mar-21 31-Mar-22 31-Mar-23 31-Mar-24 31-M
Slide 31: Asset Quality Position – Movement Over the Years
ASSET QUALITY POSITION – MOVEMENT OVER THE YEARS (In INR MN) FY MAR-21 FY MAR-22 FY MAR-23 FY MAR-24 Q4 FY 25 FY MAR-25 NPA Opening balance 14,134 18,932 19,332 19,202 16,930 18,544 Additions A 11,131 12,757 13,290 10,135 2,595 8,149 Recovery made 1,950 4,424 5,764 5,056 1,416 5,815 Upgradations 264
Slide 32: Restructured Accounts
RESTRUCTURED ACCOUNTS Quarter wise balance outstanding in respect of Restructured Standard borrowers (In INR Mn) Sep-21 Mar-22 Mar-23 Mar-24 Mar-25 Type of Restructuring No. of No. of No. of No. of No. of Amt Amt Amt Amt Amt Borrowers Borrowers Borrowers Borrowers Borrowers MSME 333 15,398 395 15,03
Slide 33: Investments – At a Glance
INVESTMENTS – AT A GLANCE Investments Breakup and Category wise (in INR Mn) Particulars MAR-25 SLR Securities 171,855 Non-SLR Securities 1,606 Total Investments 173,461 Yield on Investments Investments Breakup: - A FS 28,354 - H TM 143,654 - FVTPL (including H F T) 1,453 Total Investments 173,461 Mo
Slide 34: Technology Adoption
TECHNOLOGY ADOPTION 34 35
Slide 35: Digital Offerings
Digital Offerings Product Offerings 01 02 03 04 05 Loan ONDC for National Common UPI Circle / Credit Card New Initiatives Against MSME & Mobility Card UPI Lite on UPI Securities Retail (NCMC) Whatsapp Credit Line Pay to UPI Products Banking e - BG on UPI Contact ATM Data AI/ Technology/ Voice Biomet
Slide 36: CUB – CSK & SRH Credit Cards
CUB – CSK & SRH Credit Cards City Union Bank is proud to be the Official Credit Card Partner of Chennai Super Kings (CSK) and Official Banking Partner of Sunrisers Hyderabad (SRH) Features : CSK/SRH merchandise & fan goodies. Official match day offers & discounts. Lounge access, insurance & fuel sur
Slide 37: Strategic Partnerships
Strategic Partnerships Account Digital Opening Lending Payments API BANKING Correspondent Customer Banking Digital Onboarding Insurance 0 37 39 7
Slide 38: Awards Received During Q4
Awards Received During Q4 City Union Bank has received Indian Banks’ Association (IBA) Technology Awards in all the Seven categories for the second year in a row 20th Banking Technology Conference, Expo & Citations, 2024 24th Jan 2025, Mumbai 38 40
Slide 39: Awards Received During Q4
Awards Received During Q4 FINANCIAL EXPRESS FUTECH AWARDS 10th INNOVATIVE CIO AWARDS 2025 IBEX India 2025 BFSI Technology Awards Enhanced Customer Most Innovative Use of Best IT Risk & Cyber Excellence in Operational Service Experience Technology Security Initiatives Efficiencies 39
Slide 40: Branch Network
BRANCH NETWORK 40
Slide 41: Pan India Presence with Strong Foothold in the South
PAN INDIA PRESENCE WITH STRONG FOOTHOLD IN THE SOUTH No. of % of % of % of STATE Branches Deposits Advances Business TAMILNADU 550 77% 67% 73% KARNATAKA 60 6% 4% 5% ANDHRAPRADESH 56 2% 6% 4% TELENGANA 42 3% 7% 4% MAHARASHTRA 33 5% 3% 4% GUJARAT 30 1% 3% 2% RAJASTHAN 21 1% 2% 1% KERALA 18 1% 2% 2% UT
Slide 42: Shareholding Pattern
SHAREHOLDING PATTERN 42
Slide 43: A Well Diversified Investor Base
A WELL DIVERSIFIED INVESTOR BASE Position as on 31-March-2025 Major Institutional Shareholders QIB, NRI, SHAREHOLDERS* HOLDING % 3.95 1.00 HDFC AMC * 8.75 SBI AMC * 8.13 Corp Bodies, Others, CAPITAL GROUP USA * 5.89 2.25 2.42 FRANKLIN INDIA MUTUAL FUND 2.75 AXIS MUTUAL FUND 2.48 ICICI PRUDENTIAL FUN
Slide 44: Corporate Governance
CORPORATE GOVERNANCE 44
Slide 45: A Well Experienced and Strong Board
Shri. V.N. Shivashankar | B.Com,ACS,ACMA, BL A WELL EXPERIENCED AND STRONG BOARD Director Shri. V.N. Shiva Shankar is a qualified Lawyer, Company Secretary and Cost Shri. G. Mahalingam| M.Sc., MBA., CAIIB Management Accountant with over 25 years of rich experience in Indian Non-Executive Chairman Co
Slide 46: Transparent 'Corporate Governance' Practices
TRANSPARENT ‘CORPORATE GOVERNANCE’ PRACTICES Board consists of Various sub- 8 Independent committees of Code of conduct Directors (including Board functions Disclosure norms KYC / AML Norms for Directors and 1 Women Director), 2 to oversee the strictly adhered to strictly complied Senior Management
Slide 47: Contact
Contact Regd. Office : 149,TSR Big Street, Kumbakonam – 612001,Tamilandu. Admin Office : "Narayana" No.24 B, Gandhi Nagar, Kumbakonam - 612001,Tamil Nadu. Tel : 0435-2402322,2401622,| FAX:0435-2431746 | www.cityunionbank.com INVESTOR CONTACT Raguraman Gopu, SM Locate us @ Mob: + 91 77088 49222 Email